Car insurance provides coverage for any damages to the vehicle due to unforeseen scenarios. These include man-made disasters like burglary, vandalism, accidents, theft, fire and natural disasters like earthquakes, floods or man-made calamities. Events like these can create a big hole in your pocket. Hence, to avoid any losses, it is wise to buy car insurance online safeguarding your finances. You can opt for comprehensive car insurance which provides complete vehicle protection, covering own damages as well as third party liabilities. You can also opt for our Standalone own damage cover or third party insurance cover which is mandated by Motor Vehicles Act of 1988 separately, to suit your requirement.
With the ongoing monsoon season, it becomes more important to have a car insurance policy as there are higher chances of vehicle damage due to floods and poor road conditions. You can enhance the coverage of your car insurance by opting for add-on covers like engine gearbox protection, no claim bonus, zero depreciation and many more. So, get HDFC ERGO’s best car insurance at affordable premium and access to a network of 8000+ cashless garagesˇ.
HDFC ERGO has great news for Electric Vehicle (EV) owners! We're introducing new add-on covers with our electric car insurance tailored specifically for EVs. These add-ons include protection for your battery charger and accessories, coverage for your electric motor, and a unique zero depreciation claim for the battery charger. Adding these covers to your electric car insurance policy can shield your EV from potential battery damage caused by unexpected events like floods or fires. As the heart of your EV, safeguarding your batteries and electric motor is a smart move. These three add-ons can be seamlessly added to your comprehensive or standalone own damage cover. The battery charger accessories add-on offers protection against damage due to fires and natural disasters like earthquakes or floods. The electric motor cover ensures coverage for any damage to your EV's motor and its components. With the zero depreciation claim for the battery charger, you'll be compensated for any depreciation when replacing the battery, including the detachable battery, charger, and accessories. Don't miss the chance to customise your electric car insurance policy – opt for these add-on covers and drive with peace of mind.
Comprehensive Car Insurance
Third Party Car insurance
Standalone Own Damage Cover
COVER FOR BRAND NEW CAR
A comprehensive insurance policy is a type of car insurance that gives broad coverage and safeguards your vehicle from unforeseen events.Theft, natural disaster, damage from fires, etc., and damage from man-made causes such as riots and terrorism are all included in this.
A comprehensive car insurance policy also covers third party liabilities. This includes harm done to a third party or their property owing to the covered vehicle. The third party liability insurance protects against monetary obligations if a third party dies due to the insured vehicle.
Accident
Personal accident cover
Natural calamities
Third party liability
Choice of add-ons
Theft
The coverage in your car insurance policy depends on the type of policy that you have selected.
Third Party Car Insurance Plans cover the following types of financial liabilities that you might face in a mishap involving your car–
Apart from covering your vehicle against third party liabilities, a comprehensive car insurance policy provides coverage for the following -
Key Features | Benefits |
Third Party Damages | Covers personal accidents, third party injuries, and property damages |
Own Damage Cover | Covers accidents, fire & explosion, theft, and calamities |
No Claim Bonus | Up to 50% |
Car Insurance Premium | Starts at ₹2,094* |
Personal Accident Cover | Up to ₹15 lakhs~* |
Cashless Garages | 8000+ ˇ all across India |
Add-on Covers | 8+ Add-on Covers |
CHOOSE THIS | ||
---|---|---|
Covers under Car Insurance | Comprehensive Cover | Third Party Liability Only Cover |
Damage due to natural calamities – Earthquake, cyclone, floods etc. | Included | Excluded |
Damage due to events like – Fire, theft, vandalism etc. | Included | Excluded |
Choice of add-ons – Zero depreciation, NCB protect etc. | Included | Excluded |
Customization of car value | Included | Excluded |
Personal accident cover of Rs. 15 Lakhs~* | Included | Included |
Damage to third party vehicle/ property | Included | Included |
Injury to a third party person | Included | Included |
No hefty fines levied if valid third party car insurance policy in place | Included | Included |
The more comprehensive is the coverage, the more claim is that you can get. To this end, HDFC ERGO offers a select range of add-ons with its comprehensive car insurance plans. Have a look –
As you use the car, the parts suffer normal wear and tear and depreciate in value. Since depreciation is not covered in the insurance claim, it incurs out-of-pocket expenses. With zero depreciation cover, you get full value of the parts repaired or replaced.
Made a claim , worried about your NCB discount? Don’t worry; this add on cover protects your No Claim Bonus earned so far. Also, it takes it to the next NCB slab earning.
Our car insurance policy will offer round-the-clock assistance to deal with any mechanical breakdown issues of your vehicle.
This add on cover under the car insurance policy provides coverage for consumables items like lubricants, engine oil, brake oil, etc.
With tyre secure cover, you get coverage for expenses related to replacing the tyres and tubes of the insured vehicle. The coverage is offered when the insured vehicle tyres burst, bulge, puncture, or face a cut during an accident.
With EMI protector, the insurance company will pay equated monthly installment amount (EMI) to insured as mentioned in the policy. The insurer will cover EMI cost of the vehicle if the insured person’s car is kept in garage for accidental repairs for more than 30 days.
Love your car dearly? Buy this add on cover with your car insurance policy and recover your invoice value in case of theft or total damage to your vehicle.
The engine is the heart of your car, and it is crucial to ensure it is protected. This cover shields you from the financial losses incurred due to damage to your car engine.
Car in the garage? This cover will help bear the expenses you spend on cabs for your daily commute while your car is getting repaired.
This add on covers the loss of your belongings such as clothes, laptops, mobile, and vehicle documents like registration certificates, etc.
With pay as you drive add-on cover, you can get the benefits on the own-damage premium at the end of the policy year. Under this cover, you can claim benefits up to 25% of the basic own-damage premium at the end of policy tenure if you drive less than 10,000km.
With this cover, insurer can pay 50% of the 1st EMI if the vehicle takes 6 to 15 days for repair. If the period exceeds 15 days, insurer will pay remaining 50% of the 1st EMI or full EMI. Furthermore, the insurer will pay the 2nd & 3rd EMIs if the vehicle is kept in garage for more than 30 days & 60 days respectively.
When you have hardly driven your car or use it less frequently, it can become burdensome to pay a hefty car insurance premium. To make the process easier and offer more benefits, HDFC ERGO has come up with the Pay as You Drive – Kilometer Benefit add on cover. With PAYD, the policyholder can get benefits up to 25% after policy expiry.
You can claim a benefit of up to 25% on your own damage premium during policy renewal. When the policy expires, subject to providing distance travelled, you can claim the benefit even with a different insurer. However, if you renew the
policy with us, you get an additional 5% discount on the premium if there is no claim in your previous policy.
Pay as you drive
Every person wants to pay a low premium for their car insurance policy. Here are different ways by which you can reduce your car insurance premium:
While buying or renewing a car insurance policy, it is necessary to know how its premium is calculated. Here’s a step-by-step guide for calculating your car insurance premium
Step 1: Visit the HDFC ERGO website and click on car insurance. On the top of the page, you can enter the vehicle registration number in the box and proceed by clicking on get a quote. You can even proceed without a car number or click on renew HDFC ERGO car insurance policy if your current policy with HDFC ERGO has expired.
Step 2: After clicking on get a quote or proceed without the car number, you will have to enter your car’s make and model.
Step 3:You must choose between a third party car insurance and a comprehensive car insurance plan
Step 4: Give details about your last insurance policy- Date of Expiry, No Claim Bonus Earned and Claims Made. Enter your mobile number and email ID.
Step 5: You can now view your car insurance premium. If you have chosen a comprehensive plan, you can customise your plan further by selecting add-ons like zero depreciation, emergency assistance, return to invoice and more.
Calculating car insurance premium at the HDFC ERGO website is smooth and easy. You can also use our car insurance premium calculator for your convenience.
Easy on your pocket
With multiple choice offerings, our premium starts at ₹2094*. We offer premiums that are affordable with maximum benefits. For example, choosing a comprehensive car insurance policy entitles you and no-claim bonus benefits of up to 50%. And with our car insurance premium calculator calculating your car insurance premium amount is a breeze.
The hiccup in the journey? Now no more worrying about cash to get your car fixed while you are stranded in the middle of nowhere. With our 8000+ cashless Garages, pan India help is never too far; our widespread network of cashless garages will be your friend in need. Additionally, our 24x7 Roadside Assistance ensures that help is just a phone call away, and your car is taken care of anytime.
Car needs repair but worried how you’d commute to the office next morning? HDFC ERGO’s Over Night Vehicle Repairs¯ is here to save the day! We take care of minor accidental damages or breakdowns while you catch up on your sleep and get your car back in shape by morning. If this doesn’t spell convenience, what does?
HDFC ERGO car insurance claim process is hassle free and you can file claims quickly through our website. You can even download the claim form from our website. In addition to this, you can also track your car insurance claim status from our website. We have 100% claim settletement ratio record that will ease your claim related worries!
With over 1.6Crore+ Happy Customer@, we are proud to say that we’ve put smiles on a million faces and counting. The testimonials from our ever-growing family of customers are heartwarming. So toss your car insurance-related worries aside and join the happy customers club!
Though buying car insurance online is simple. You should keep certain aspects in mind while buying a car insurance policy.
Firstly, you should select the type of policy that you need for your car. A comprehensive policy proves to be the best car insurance plan. It is always recommended given the wide scope of coverage that it offers. However, if your car is very old, you can opt for third party insurance to fulfil the legal mandate of driving your car.
The Insured Declared Value of the car is the market value less the depreciation based on the car’s age. The IDV also represents the maximum coverage liability that the insurer undertakes. In case of a total loss to the vehicle due to an insured peril, the maximum claim amount would be the IDV of the policy. So, when buying the best car insurance plan, keep a lookout for the IDV. Choose an IDV that matches the market value of your car so that the claim is higher.
With comprehensive car insurance plans, you can opt for different add ons. Choosing the most suitable ones would help in availing complete coverage. For instance, a zero depreciation add on is a must for cars aged up to 5 years old. This add on helps get an entire claim as the insurer does not deduct depreciation value during the final settlement. So, assess the add ons available and choose the most suitable ones. Remember, adding each add on involves an additional premium.
Always compare the best car insurance policy on their premiums vis-à-vis their coverage. A plan offering a comprehensive scope of coverage at the lowest rate of premium would be the best, just like HDFC ERGO’s car insurance policy. Hence, it is wise to always compare the car insurance price with the coverage offered.
The Claim Settlement Ratio (CSR) indicates the percentage of claims that an insurance company settles in a financial year. The higher the CSR the better is the company in terms of claim settlement. So, compare the CSR and choose an insurer that has a high CSR.
The network of cashless garages is a crucial parameter to increase the probability of availing of cashless settlement of claims. If the company has a vast network of cashless garages, you can quickly locate one. You can repair your car here without paying for the costs yourself. So, look for an insurer with a vast network of cashless garages. For example, the HDFC ERGO car insurance policy comes with more than 8000+ ˇ cashless garages across India to service your car.
The claim settlement process should be checked to understand how long would it take for your claims to get settled. The best car insurance policy is where the claim settlement process is simple and hassle-free. For instance, the HDFC ERGO car insurance policy offers Over Night Vehicle Repairs¯, where you don’t have to wait long for your vehicle to get repaired..
If you are planning to buy car insurance policy, we advise you to purchase or renew car insurance online through HDFC ERGO website. Listed below are few benefits:
Every policyholder should ensure that they immediately renew their car insurance policy if it has been expired, to avoid legal complications. As per the Motor Vehicles Act of 1988, it is illegal to drive a vehicle without a valid third party insurance cover. Apart from this, if you do not renew your car insurance within 90 days after its expiry date, you will lose out on your no claims bonus benefit. In addition to this, if you do not renew expired car insurance, your vehicle will be uninsured and you may end up paying from your pocket in case your vehicle meets with an accident or gets damaged due to earthquake, floods, fire, etc.
1. Visit your insurance provider’s website fill in the details, including your car registration number, mobile number and email address.
2. Enter the policy details and the add-on to the cover you would like to opt for.
3. Complete the process by paying the premium amount via online payment.
A confirmation mail along with the policy will be mailed to you.
1. Visit the insurance provider website and select renew the policy.
2. Enter the details, include/ exclude the add on covers and complete the journey by paying the premium online.
3. The renewed policy will be mailed to your registered email id.
Car insurance always provides peace of mind. Therefore, continually investing in a proper car insurance plan is advisable.
According to the Indian Motor Vehicle Act of 1988, every vehicle owner must have valid third party car insurance policy to drive on Indian roads. Driving without a valid third party car insurance policy can lead to heavy penalties and a driver’s license suspension.
One can easily purchase a Comprehensive car insurance policy covering the vehicle from any natural or artificial disaster. It also protects you financially from third party liability in case of damage to other vehicles or property.
If you have purchased a secondhand or used car, it is equally as important to buy car insurance policy as it is for a new car. Here are following things to keep in mind before buying second hand car insurance policy:
The claim settlement can take up to 30 days if it was a major accident and the repair costs are more than 75% of the insured amount.
In case of theft of the insured vehicle, the company will appoint a private investigator to track the
same and for this purpose all associated documents will be collected from the police. In this case, the claim settlement process may take up to 60 days.
• Register the claim by calling the insurance company on its customer service number or through its website.
• After claim registration, the policyholder receives a claim registration number which can be used for future communications/references.
• The policyholder should take the damaged car to a network garage in case of cashless claims. If the insured takes the car to the garage of their choice, they will have to go for a reimbursement claim for repairs.
• Submit all the required documents with the surveyor.
• The car insurance company confirms its liability and initiates the claim process
Also Read : HDFC ERGO Car Insurance Claim Process?
1. Registration Certificate (RC) Book copy
2. Driver's license copy of the individual driving the insured vehicle at the time of the incident.
3. FIR filed at the police station
4. Repair estimates from the garage
5. Know Your Customer (KYC) documents
6. If the accident has risen out of a mutinous act, strikes or riots, then filing an FIR is mandatory.
1. RC Book copy and original keys to the vehicle
2. FIR filed at the police station as well as the final police report
3. RTO transfer papers
4. KYC Documents
5. Letter of Indemnity and Subrogation
Brochure | Claim Forms | Policy Wordings |
Get details about the car insurance policy's key benefits, coverages and exclusions in the brochure. Our car insurance brochure will help you know in and out about our policy. With the help of our brochure, you will understand the proper terms and conditions of the HDFC ERGO car insurance policy. | Smoothen up your car insurance claim process by getting the claim form, where you can fill in the required information. Our car insurance claim form will simplify your claim process. | Knowing the conditions under which you can get loss coverage under the car insurance policy is essential. Please refer to the car insurance policy wordings for the terms and conditions. |
1. Driving License
A Driving Licence is a legal document that authorises you to drive your vehicle on the Indian roads. There are different
types of driving licenses issued by the different RTO (Regional Transport office) which validates one to drive a two wheeler, four wheeler or a commercial vehicle on the Indian roads. You need to follow basic driving rules and
traffic regulations and clear a driving test to get a valid licence
2. RTO
The Regional Transport Office or the RTO is the official government body which registers all vehicles in the Indian subcontinent as
well as issues driving licences. In fact, the officials of the RTO are responsible for the upkeep of the database of all registered vehicles plying in India and the record for all valid driving licences.
3. Third Party Liability Coverage
The third party only motor insurance plan is a mandatory insurance policy that you need to drive your vehicle on the Indian roads. This plan provides coverage from all legal
liabilities which could possibly arise out of any third party damages, such as person, property or vehicle due to any accident caused by the insured car. There is no limit for the coverage provided for the death of a third person
or injury. However, the damage for a third party property and vehicle is limited to a maximum of Rs 7.5 lakhs. Thus, in order to ply your vehicle on the Indian roads, a third party motor insurance policy is compulsory. .
4. Comprehensive Coverage
Comprehensive motor insurance plans provide coverage for third party liabilities along with damages of your own vehicle as well. It is not mandatory but advisable to opt for a comprehensive
plan rather than a third party-only insurance policy so that you do not have unwarranted out-of-pocket expenses to repair your own vehicle in case of any accidental damages. This plan provides coverage to your vehicle from any
natural calamity such as fire, flood, etc. as well as all man-made calamity such as theft along with providing adequate coverage for damages due to road accidents. Thus, if you want complete protection of your vehicle, then you
must opt for a comprehensive car insurance plan. In fact, you can enhance the plan’s coverage by opting for additional rider benefits as well.
5. Car Insurance Premium
"The amount of money that you need to pay to the insurer for insuring your vehicle against all the associated risks for the given tenure is called a Car Insurance Premium. This amount
is determined on the basis of your car’s IDV (insured declared) value along with other aspects and is fixed for the given tenure for which it provides coverage against accidental damages.
The premium amount varies on multiple factors such as make and model of your vehicle, the geographical location as well as the age of the car. It also depends on your driving experience and the amount of no-claim bonus that
you would have accumulated over the years. Thus, it is a good idea to check the premium and its associated benefits before opting for the plan."
6. Insured Declared Value
The IDV or the Insured Declared Value of your car is a significant aspect for you to understand
before opting for a car insurance plan. This is the maximum amount of money that the insurer would pay as a claim in case of a total damage or loss of the car in an accident or theft. All other claim amounts are calculated basis
the IDV, i.e. as a percentage of the IDV when the damage is not considered a total or a complete damage. The IDV of the car depreciates every year along with the value of the vehicle and is calculated as per the standard depreciation
table provided by the regulator. In case of a claim in the middle of the year, depreciation is calculated from the IDV of the car at the beginning of the policy year. Thus, it is important to take a note of the IDV at the time
of renewing your car insurance plan so that it is at par with the car’s market value.
7. Deductibles
In motor insurance, deductibles are a part of the claim amount the insured person will have to pay during claim settlement. The insurer pays the rest of the claim amount. There are two types:
voluntary and compulsory deductible. A compulsory deductible is an amount you must pay mandatorily whenever a claim is registered. On the other hand, a voluntary deductible is part of the claim amount the insured person willingly
chooses to pay at the time of claim settlement to save money on car insurance renewal premiums.
8. No Claim Bonus
If you do not file for any claim in a particular policy year, the insurance company provides a discount in premium called a No-Claim Bonus or NCB. This is a discount provided for being a good driver and
is an important factor at the time of calculating your car insurance premium. This reward is provided to the policyholder at the time of renewal. If you do not file a claim for 1 year, you can get 20% no-claim bonus and that can
go upto a maximum of 50% in 5 consecutive claim-free years. Point to note is that No-Claim Bonus is provided to the policyholder, i.e. the car owner and the car. So, if you choose to sell your car, the NCB cannot be transferred
to the new owner of the car. Instead, you can transfer the No-Claim Bonus of your old car to your new car as well.
9. Cashless Garages
A cashless garage is an authorised garage within the network of garages emplaned with the insurance company for settlement of cashless claim of the vehicle. So, if you wish to avail cashless
claim for your car repair work, you need to visit a cashless garage. Here the survey would be done by the insurer and the payment for the approved repair work would be paid directly to the garage without your having to pay anything
out of your own pocket, except for the deductibles and the non-authorised amount of the claim. Thus, cashless garages make claim settlement easy for any repair work done to your own vehicle.
10. Add-on Covers
Add-on covers are additional benefits that you can avail along with your comprehensive car insurance policy to enhance the overall benefits and extend the coverage of the car. There are multiple
riders that can be added-on to your existing base car insurance policy such as zero depreciation coverage, engine and gear-box protection, return to invoice, NCB protection, emergency assistance, consumable cover, downtime protection,
loss of personal belonging, etc. For each rider, you need to pay an additional premium amount along with your base premium to increase the overall coverage of the plan. So, you need to choose the add-ons as per your requirement
at the time of purchasing and renewing your car insurance policy.
11. Personal Accident Cover
A personal accident policy is a fixed benefit insurance plan which pays a specific amount of money for an accidental damage to the insured person. The IRDAI has mandated a compulsory Personal
Accident Policy of minimum Rs 15 lakhs for all owner/driver of an insured car to ply your vehicle on the Indian roads. It provides coverage against death, disability, dismemberment as well as accidental injuries. The personal accident
coverage can be taken along with your car insurance policy as well.